Reward Black credit card

Get rewarded on your everyday spending, at home and abroad

Representative 37.1% APR (variable)

Rewards when you spend

You'll get 1% back at supermarkets and 0.5% at their petrol stations

Earn 1-15% back at selected retailers

And 0.5% back everywhere else

No foreign transaction fees

You won't pay foreign transaction fees when you use this credit card abroad

Use worldwide at Mastercard locations

And lots more packed in

A credit limit of at least £5000

Manage your card wherever, whenever with the NatWest mobile app (Criteria applies)

As a Reward Black customer, your calls will be prioritised. So whatever you need, we’re here to help, 24 hours a day, 365 days a year.

Representative example

Purchase rate

p.a (variable)

Representative APR


Assumed credit limit


Annual fee

or £0 if you have a Reward Black current account

Managing your credit card


How do Rewards work?

Whenever you pay using your Reward Black credit card, you’ll earn points called Rewards. Unlike some other credit card schemes, we don't cap the amount of points you can earn.

Where can I earn Rewards?

You'll earn 1% in Rewards in supermarkets and 0.5% everywhere else. You'll also be given personalised monthly spend offers from some of our partner retailers.

How can I spend my Rewards?

It's easy. Once your balance has grown to at least £5, we'll give you a choice of what do with them. You can bank them, trade them or donate them to one of our chosen charities.

About the annual fee and annual fee refund

We'll refund the annual fee for your Reward Black credit card if you also have a Reward Black current account.

Paying your credit card

There are a number of convenient ways you can make a payment to your card.

Other charges or fees

Some other important details you should be aware of.

Card Features

Spread the cost of your purchase

Need to make a big purchase and don’t want the money to come out of your current account? A credit card Instalment Plan could be a good way to spread the cost.

Ways to pay

There are plenty convenient ways to pay using the Reward Black credit card.

Add an additional cardholder

Give a loved one access to your credit card account by adding an additional cardholder.

Mobile App Features

Lock and unlock your credit card

Take control of your spending

Check your credit score

Replace your credit card

Set your travel plans

What you should know

Our mobile app is available to customers with Online Banking, compatible iOS and Android devices and a UK or international mobile number in specific countries.

Will I be accepted for this credit card?

Ready to apply?

Let's get started. Do you have NatWest Online Banking?

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The quickest route

As we already know a bit about you, applying for a Reward Black credit card should be pretty easy as we can pre-fill in a lot of your application.

What you'll need

Your income, outgoings and employment details

Your online banking log in details

A note of any cards you wish to transfer a balance from

Now for the important legal stuff

Please read these important documents

Please take some time to read the important information. By clicking 'Start my application' below, you are confirming that you have been provided with, and have acknowledged our important documents.

Great! Looks like you're all set and ready to go.

Just a heads up - you'll need your Online Banking sign-in details at the next step.

Register for online banking

You'll need to sign up for online banking with us in order to apply for the Reward Black credit card online. The good news is that it normally takes only 5 minutes.

What you'll need

You'll need your sort code and account number, and your NatWest debit card if you have one.

Something else we can help you with?